Innovation credit facility

Turn tomorrow's refund into today's runway.

Non-dilutive advances against your projected HMRC credit. Priced fairly, secured against a claim we already validated.

Max advance

40%

of projected credit

Time to decision

72h

from full data connect

Dilution

never equity, ever

How it works

Four steps from claim to capital.

Step 1

AI validates

Continuous scoring builds a confidence rating for every eligible pound of R&D spend.

Step 2

Advance approved

Up to 40% of the projected credit, drawn as a micro-loan tranche.

Step 3

Interest only

Fixed rate, no principal amortisation. Predictable monthly cost.

Step 4

HMRC settles

Refund arrives, principal is netted, the balance is yours.

Terms

Rate

Fixed on drawdown, based on AI-validated claim confidence. No arrangement fees on your first tranche.

Security

The HMRC receivable is the security. No debentures over IP, no personal guarantees from founders.

Speed

Once your workspace is connected, subsequent tranches typically clear within 48 hours.

Model your advance

Connect your workspace and we'll produce an indicative offer in under a week.